Rates: live reference API. Amounts stay in this browser.
Updates automatically as you type.
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Calculation details
Planning estimate only, not financial, tax, or legal advice. Verify assumptions and current rules before making decisions.
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What does this calculator estimate?
Convert between 31 major world currencies with live ECB reference rates. Enter an amount, choose from and to currencies, and get the converted value plus the inverse rate instantly.
How currency conversion works
Currency conversion multiplies an amount in one currency by the exchange rate between two currencies. The rate is expressed as units of the target currency per one unit of the base currency. This calculator uses live ECB mid-market reference rates so you can see the current relationship between 31 major currencies without any account or API key.
Mid-market rate vs. what you actually get
The mid-market rate is the rate at which currencies trade on the interbank market, and it is the fairest reference point. When you convert money through a bank, card, or transfer service, the provider marks up this rate and may add a flat fee, so the amount you receive is usually less than the mid-market conversion. This calculator shows the reference value so you can compare what a provider is offering you.
Why rates change daily
Exchange rates move with supply and demand in global currency markets, plus interest rates, inflation, trade balances, and central-bank policy. ECB reference rates update once per business day, so they are ideal for planning and comparison even though they are not a real-time ticker.
How this calculator works
Formula
Value in target currency = amount × (exchange rate of target currency ÷ exchange rate of base currency). Live mid-market reference rates come from the European Central Bank via the keyless Frankfurter API; when the live request is unavailable the calculator falls back to a set of indicative offline rates clearly labeled as such.
Worked example
Converting $1,000 USD to EUR at a live ECB mid-market rate of 0.8645 gives 1,000 × 0.8645 = €864.50. The inverse rate shows 1 EUR = 1.1568 USD. Banks, cards, and transfer services typically add a spread and fees on top of the mid-market rate.
Assumptions to verify
- Live rates are European Central Bank reference (mid-market) data and update once per ECB business day.
- The inverse rate is the mathematical reciprocal of the quoted rate, not a separately quoted rate.
- Your actual conversion cost will differ: providers add spreads, commissions, and transfer or card fees.
- When the live rate request cannot be reached, the calculator uses clearly-labeled offline indicative rates.
- Amounts and currency selections stay in your browser and are never transmitted to us.
Frequently asked questions
How do I convert USD to EUR?
Enter the amount, choose USD as the From currency and EUR as the To currency, and press Calculate. The result shows the converted value at the current ECB mid-market reference rate, plus the inverse rate (1 EUR in USD).
Why do rates differ between providers?
The mid-market rate is a baseline; banks and transfer services add a spread and fees to make money. Different providers apply different spreads and fee structures, so the rate you actually get varies even on the same day.
Which currencies are supported?
31 major world currencies are supported, including USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY, INR, MXN, and many more. Popular pairs have one-click shortcuts.
Is the rate live?
Rates come from the European Central Bank via the keyless Frankfurter API and update once per ECB business day. The page shows the rate date. If the live request is unavailable, clearly-labeled offline indicative rates are used.
Does this tool store my amounts?
No. Currency amounts and selections stay in your browser and are never sent to us. The only network request is to the rate provider to fetch published reference rates.
Cite this tool
BoringToolsKit. “Currency Converter.” boringtoolskit.com/currency-conv/ (reviewed August 2026). Free to reference in articles, syllabi, and answer posts with a link.
Privacy: Inputs and results stay in this browser. Any future sponsored recommendation or advertisement will be clearly labeled and kept separate from the calculation.